Best Fix-and-Flip Lenders for Real Estate Investors (2026)
Purpose-built short-term loans that fund both the purchase and renovation of investment properties intended for resale. Similar to hard money but often from tech-enabled lenders with streamlined processes.
Typical Rates
9%–13%
Max LTV
85%–90% of purchase, 100% rehab, 70%–75% ARV
Typical Terms
6–18 months
Min Credit
620–680
What Are Fix-and-Flip Loans?
Fix-and-flip loans are the specialized evolution of hard money lending. While traditional hard money comes from private individuals or small funds, modern fix-and-flip lenders are tech-enabled companies (like Kiavi, Lima One, and RCN Capital) that have built streamlined platforms for volume flippers. They offer higher leverage (up to 90% of purchase and 100% of rehab), faster draw processing, and volume pricing for repeat borrowers. If you're doing 3+ flips per year, these specialized lenders offer better economics than traditional hard money.
Who Are Fix-and-Flip Loans Best For?
- Experienced flippers doing 3+ deals per year
- Investors who want rehab draws funded quickly
- Scale flippers who need a repeatable lending partner
- First-time flippers with strong credit
Pros & Cons
Pros
- +Purpose-built for flips — streamlined process
- +Up to 90% of purchase and 100% of rehab funded
- +Tech-enabled platforms with fast draw processing
- +Volume discounts for repeat borrowers
- +Lower rates than traditional hard money
Cons
- –Higher credit requirements than traditional hard money
- –Experience requirements for best terms
- –Inspection-based draw process adds time to rehab
- –Still expensive vs. long-term financing
Best Fix & Flip Lenders (12)
These lenders offer fix-and-flip loans, ranked by our editor rating. Click any lender for a full review with detailed terms and expert analysis.
| Lender | Rates | Max LTV | Min Credit | Speed | Best For | Rating |
|---|---|---|---|---|---|---|
| Kiavi | 6.5%–12% | 80% | 640 | 10–21 days | Volume flippers, BRRRR investors | 4.5 |
| Lima One Capital | 7%–12.5% | 80% | 660 | 14–21 days | New investors, BRRRR strategy | 4.3 |
| Easy Street Capital | 6.75%–12% | 80% | 640 | 10–21 days | Texas investors, First-time investors | 4.2 |
| RCN Capital | 6.5%–12% | 80% | 620 | 14–21 days | DSCR investors, Low credit score borrowers | 4.1 |
| Civic Financial Services | 7.5%–12% | 80% | 640 | 10–21 days | All-in-one lender, Institutional-backed stability | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | 5–10 days | Speed-focused investors, Auction buyers | 4.0 |
| Tidal Loans | 7%–13% | 80% | 620 | 7–14 days | Texas investors, Fast closings | 4.0 |
| Aloha Capital | 8%–12% | 80% | 650 | 7–14 days | Experienced flippers, Transparent pricing | 4.0 |
| Arrived (formerly Fund That Flip) | 8.5%–12% | 85% | 640 | 10–14 days | Experienced flippers, Bridge financing | 3.9 |
| Roc Capital | 7%–12% | 80% | 620 | 10–21 days | Full-product investors, Low credit score borrowers | 3.9 |
| Groundfloor | 7.5%–14% | 75% | 600 | 14–21 days | First-time flippers, Small loan amounts | 3.8 |
| Park Place Finance | 9%–13% | 75% | 600 | 7–14 days | Small loan amounts, Flexible property types | 3.7 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
Easy Street Capital
4.2Easy Street Capital is a fast-growing investor lender offering DSCR, fix-and-flip, and bridge loans with an emphasis on speed and customer service. Known for competitive rates and a borrower-first approach.
6.75%–12%
80%
640
10–21 days
$75K–$2M
No experience required
RCN Capital
4.1RCN Capital is a national lender specializing in fix-and-flip, bridge, and long-term rental (DSCR) loans for real estate investors. Known for competitive rates on DSCR products and a straightforward closing process.
6.5%–12%
80%
620
14–21 days
$75K–$2.5M
No experience required
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Tidal Loans
4.0Tidal Loans is a Texas-based hard money and DSCR lender known for fast closings and strong presence in the Texas investment property market. A regional favorite for Texas investors.
7%–13%
80%
620
7–14 days
$75K–$2M
No experience required
Aloha Capital
4.0Aloha Capital is a tech-enabled hard money lender offering fix-and-flip and bridge loans with a focus on transparency and speed. Known for clear pricing and a streamlined digital process.
8%–12%
80%
650
7–14 days
$150K–$3M
1–2 deals
Arrived (formerly Fund That Flip)
3.9Arrived (formerly Fund That Flip) offers fix-and-flip and bridge loans for real estate investors. Known for a technology-forward platform and competitive terms for experienced flippers.
8.5%–12%
85%
640
10–14 days
$100K–$3M
1–2 deals
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Groundfloor
3.8Groundfloor is a unique lending platform that crowdfunds fix-and-flip loans from individual investors, enabling competitive rates for borrowers. A good option for flippers looking for an alternative to traditional hard money.
7.5%–14%
75%
600
14–21 days
$75K–$1M
No experience required
Park Place Finance
3.7Park Place Finance is a private lender specializing in hard money, bridge, and fix-and-flip loans. Known for flexibility on property types and deal structures.
9%–13%
75%
600
7–14 days
$50K–$2M
No experience required
Frequently Asked Questions About Fix-and-Flip Loans
What's the difference between a fix-and-flip loan and hard money?
Fix-and-flip loans are a subset of hard money, but offered by larger, institutional-style lenders with standardized products, online portals, and scale pricing. Traditional hard money is from smaller private lenders with more flexibility but less consistency. For volume flippers, specialized fix-and-flip lenders are usually better; for unusual deals, traditional hard money may be more flexible.
Can I get a fix-and-flip loan with no experience?
Yes, but terms won't be as favorable. Most lenders offer first-time flipper programs with lower leverage (75-80% LTV vs. 90%) and slightly higher rates. Having a strong credit score (700+), a detailed scope of work, and a realistic ARV analysis helps compensate for lack of experience.
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